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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $579,054 | $176,077+228.9% | $159,455+263.1% | $167,518+245.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.14% | 331.83%-322.7pp | 263.63%-254.5pp | 478.71%-469.6pp |
| Employer contribution / active EE | $6,585 | $5,298+24.3% | $4,830+36.3% | $4,838+36.1% |
| Participant deferral / active EE | $15,596 | $7,751+101.2% | $7,353+112.1% | $6,342+145.9% |
| Admin fee / account holder | $3,475 | $12,556-72.3% | $10,800-67.8% | $12,312-71.8% |